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St. Clair Shores Mortgage Calculator

Estimate your true cost of homeownership in St. Clair Shores with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,789
P&I Payment$1,283
Taxes & Ins$331
Utilities$176
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Mortgage Details

$241,914
Local Median: $241,914
$48,383 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$1,789

Monthly Breakdown

Principal & Interest
$1,283
Property Taxes
$257
Homeowners Ins.
$73
Utilities
$176

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$268,217

Local Housing Facts for St. Clair Shores

  • ·Median home value: $241,914 (adjusted for current market conditions)
  • ·Est. property taxes: $3,088/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $879/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,112/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in St. Clair Shores?

Based on the local median home value, estimated real estate property taxes in St. Clair Shores are around $3,088 per year.

What is the average home price in St. Clair Shores?

The median home value in St. Clair Shores is currently estimated at $241,914.

How much does homeowners insurance cost in St. Clair Shores?

For a median priced home, homeowners insurance in St. Clair Shores averages around $879 annually.

What is the true total cost of owning a home in St. Clair Shores?

True homeownership costs go beyond principal and interest. In St. Clair Shores, a typical homeowner with a median-priced home of $241,914 can expect to pay roughly $3,088/yr in property taxes, $879/yr for homeowners insurance, and $2,112/yr in energy utilities. That adds approximately $507 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.